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Compare Prudential ISAs

Compare ISAs from Prudential and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

What you're looking for isn't available; however, these brands may offer suitable alternatives

Stocks & Shares ISA

from Nutmeg

ISA Option
Allows ISA Transfers
  • Fund Choice: Nutmeg offer 5 diversified portfolios with ETFs, using technology to keep charges low. Capital at risk. Approved by Nutmeg 24/02/2023
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm
See Deal Open an ISA before 31 December and get £100 cashback. New customers only, invest £5k or more. Terms & fees apply. Capital at risk.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you
  • Invest From: £1

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £1.50. Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00
See Deal Choose from over 13,000+ global stocks & ETFs. Invest in UK shares from as little as £3 per trade. IG offer a "Smart Portfolio ISA" where you can get an expertly built portfolio that is right for your risk profile. Capital at risk.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Socially Responsible Junior Stocks & Shares ISA

from Nutmeg

  • Invest From: £100
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk. Approved by Nutmeg 24/02/2023

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA. Capital at risk.

Junior Stocks & Shares ISA

from Nutmeg

  • Invest From: £100
  • Investment Options: Choose your investment style and preferred risk level. Capital at risk. Approved by Nutmeg 24/02/2023

Junior Stocks & Shares ISA

from Wealthify

Regular Savings
  • Invest From: £1
  • Investment Options: Choose from one of five investment styles based on risk, and a team of experts build your child’s Junior ISA, choosing which investments to buy and managing them on your behalf

Junior Stocks & Shares ISA

from Scottish Friendly

Regular Savings
  • Invest From: £10 pm
  • Investment Options: A selection of 9 funds so you can tailor your child's investment. Capital at risk.
See Deal When you take out a My Select (Junior ISA) Scottish Friendly will pay £50 into the Junior ISA for your child.

Junior Stocks & Shares ISA

from Best Invest

Regular Savings
  • Invest From: No Minimum
  • Investment Options: Choose your own investments, invest with help from an adviser or let the experts take care of it all for you. Capital at risk.

Junior Stocks & Shares ISA (Sustainable Leaders Fund)

from Royal London

Regular Savings
  • Invest From: £25 a month or any lump sum
  • Investment Options: The core of the investment portfolio consists of shares in companies involved wholly or in part in the manufacture of products, industrial processes or the provision of services associated with improving the environment and the enhancement of human health and safety. Capital at risk.

Please be aware that Prudential ISAs are only available through their advisory service and are currently unavailable to retail customers.

Who are Prudential?

Founded in 1848 as a loan provider, Prudential are experts in finance and savings. They offer a range of financial investment products including ISAs and Pensions; however, these products are only accessible through their financial adviser service.

This means that you can’t open an ISA with Prudential unless you have received financial advice, in which case, your adviser will tell you which ISA and what other financial products are right for you.

What is an ISA?

ISA stands for Individual Savings Account, and they are savings accounts that are completely free from tax.

With a regular savings account, you are required to pay income tax and capital gains tax on your investments. Depending on how much you earn and your sources of income, you can lose a significant chunk of your savings to tax.

But if you invest in an ISA, your savings are completely immune to the following taxes:

  1. Capital Gains Tax – up to 20% tax on the growth of your investments
  2. Income tax on dividends – up to 38.1% tax on dividends for additional-rate tax payers
  3. Income tax on interest – up to 45% tax on interest for additional-rate tax payers

What are the different types of ISA?

There are two main kinds of ISA accounts and each one has advantages and disadvantages.

The best ISA for you depends on your attitude to investment risk, how long you plan to be saving for, your investment knowledge and experience, and your personal preferences.

Cash ISAs

A Cash ISA is a tax-efficient savings account that offers fixed or variable interest rates on your cash savings.

Cash ISAs cannot go down in value as they don’t invest in the stock market, so you will always get back at least what you put in.

However, interest rates are currently very low so for long term investments you may be missing out on greater potential returns compared to a Stocks and Shares ISA.

Stocks and Shares ISAs

Stocks and Shares ISAs allow you to invest in the stock market for greater return potential. However, they also come at a higher risk, as your investment can both fall and rise in value.

Stocks and Shares ISAs allow you to invest in shares, funds, investment trusts, ETFs, ready-made portfolios and many more investment vehicles.

You benefit from the growth of your investments as well as the dividends they pay out.

Do ISA accounts cost money?

Cash ISA Charges

If you invest in a Cash ISA then you usually don’t pay any initial or ongoing charges for your account.

However, if you have a fixed interest rate product then you might be charged for withdrawing or transferring your Cash ISA before the end of your term.

Stocks and Shares ISA Charges

Stocks and Shares ISA providers levy an annual management charge against your portfolio in the form of a fixed fee or a percentage of your total ISA value.

They also charge dealing fees for buying and selling certain assets, and sometimes charge other ad hoc administration fees, such as for closing your account or transferring to another provider.

How do I open an ISA?

The easiest way to open an ISA account is online, via your provider’s website. However, you can also open ISA accounts over the phone or by post with an application form and a cheque.

To open an account, you’ll need to make a payment, either via a debit card lump sum or by setting up a regular Direct Debit.

Who can open an ISA?

To open an ISA, you must be:

  • 16 or over for a Cash ISA
  • 18 or over for a Stocks and Shares ISA
  • A resident in the UK

You cannot open a joint ISA, as they are for individuals only.

FAQs

How much money can I add to an ISA?

You can contribute up to £20,000 to ISAs in the current tax year.

Can I withdraw from an ISA?

You can withdraw money from an ISA at any time.

You may be charged for withdrawing from a fixed-rate Cash ISA before the end of your fixed term.

For a Stocks and Shares ISA, you’ll need to sell your investments first which can take up to a week.

How do I withdraw money from my ISA?

The easiest way to withdraw from an ISA is online via your provider’s ISA platform. However, you can also withdraw by giving the instruction in writing or over the telephone.

Can I lose money in an ISA?

If you invest in a Stocks and Shares ISA, your investments can go down as well as up so you may get back less than you invest.

If you invest in a Cash ISA, you are guaranteed to get back at least what you originally invest.

Are ISAs safe?

ISAs are authorised and regulated by the Financial Conduct Authority (FCA).

Cash and Stocks and Shares ISA providers are covered by the Financial Services Compensation Scheme (FSCS), which means they cover you for up to £85,000 if your provider goes into liquidation.

Remember, the FSCS does not cover your underlying shares in a Stocks and Shares ISA, so if these go down in value then your ISA will too.

Can I transfer my ISA?

You can transfer Cash ISAs and Stocks and Shares ISAs to other ISAs if you want to. You can do this by completing an ISA transfer form with your new provider.

Are ISAs a good idea?

ISAs are a tax-efficient way to invest, either in Cash products or directly in the stock market.

Whether ISAs are right for you depends on your circumstances and preferences, but ISAs are safe and tax-efficient savings accounts. 

Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk
Important Risk Information:

Capital at risk. Tax treatments depend on your individual circumstances and may change. The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.